Fintech Software Development
In the fintech industry, speed, compliance, security and scalability are critical. Scrums.com partners with leading fintech firms to build mission-critical software, integrate AI agents and accelerate product-market fit, without compromising auditability or regulatory risk.
Years of Service
Client Renewal Rate
Vetted Developers
Ave. Onboarding
Custom Fintech Software Development That Scales
Build secure, scalable financial technology with a partner who understands regulatory demands. Our platform-first approach combines elite African talent, AI-powered automation, and real-time governance, delivering enterprise-grade FinTech solutions at 40-60% lower cost than US/UK equivalents.
- Scale securely with enterprise-grade architecture
- Maintain compliance with PCI DSS, GDPR, PSD2 frameworks
- Innovate faster with AI-powered development (40% faster time-to-market)
- Reduce risk through real-time visibility and governance
- Access expert talent from 10,000+ specialized developers
Ship features in weeks with SEOP's audit-ready delivery framework.
Top Pains Fintech Companies Face
Fintech development requires balancing speed with stringent regulatory requirements, security standards, and scalability demands. Without the right partner, these challenges compound quickly, resulting in delayed launches, compliance gaps, and security vulnerabilities that can cost millions.
Regulatory demands slow product releases
Navigating PCI DSS, POPIA, PSD2, and AML/CFT compliance delays feature releases by weeks. Development teams spend more time on compliance documentation than building features. You need a partner who builds compliance into architecture from day one.
Legacy systems inhibit innovation
Monolithic architectures make it impossible to add modern features like embedded finance or crypto integrations without risking stability. Every new feature becomes a negotiation with technical debt. Modernizing requires expertise in both legacy and modern microservices.
Difficulty scaling high-trust talent
Fintech engineering requires developers who understand payment processing, fraud detection, KYC/AML, and regulatory compliance. Finding this specialized talent takes months. Traditional hiring is too slow when racing to launch products.
High risk of breaches and fraud
A single security breach destroys trust and results in millions in fines. Your platform is a prime target for sophisticated attackers. You need security embedded at every layer with automated scanning and fraud detection capabilities.
Pressure to launch ahead of competitors
Open banking, embedded finance, BNPL, crypto wallets, the feature arms race is relentless. Your team is stretched thin maintaining existing systems while customers expect constant innovation. You need capacity to build new products in parallel.
Inconsistent DevOps and slow cycles
Manual QA processes, fragile CI/CD pipelines, and slow deployment cycles create bottlenecks. Without observable metrics and automation, you can't deploy confidently or recover quickly from incidents. Modern Fintech demands continuous deployment with zero downtime.
Key Outcomes Scrums.com Delivers
Faster Time-to-Market (Weeks vs Months)
Launch new Fintech products and features 40% faster with our AI-powered development platform. Our pre-vetted teams integrate into your workflows within 21 days, eliminating months of recruitment delays. Whether building a payment gateway, lending platform, or embedded finance solution, we compress timelines without sacrificing quality or compliance.
Full Compliance + Audit Readiness by Design
Compliance isn't an afterthought—it's baked into our architecture from day one. We design systems that meet PCI DSS, GDPR, PSD2, POPIA, and AML/CFT requirements by default. Every sprint produces audit-ready documentation, security logs, and compliance reports. Pass regulatory audits with confidence and reduce compliance overhead by 60%.
Scale Engineering Capacity with Vetted Global Talent
Access 8,500+ specialized Fintech developers without the 6-month hiring cycles. Our talent pool includes payment systems experts, blockchain developers, fraud detection specialists, and regulatory tech engineers. Scale from 3 to 50+ developers as your needs evolve, with full transparency and governance through our SEOP platform.
Secure and Resilient Systems with Minimal Downtime
Build Fintech platforms that handle millions in daily transactions with 99.99% uptime. Our DevSecOps approach includes automated security scanning, penetration testing, and fraud simulation. Deploy multiple times per day with zero-downtime releases. Reduce security incidents by 75% with continuous monitoring and threat detection.
Seamless DevOps and Analytics-Driven Delivery
Gain real-time visibility into deployment frequency, lead time, change failure rate, and mean time to recovery (DORA metrics). Our AI agents monitor sprint health, predict delivery risks, and optimize resource allocation automatically. Make data-driven decisions about capacity, velocity, and technical debt with executive dashboards that prove engineering ROI.
How Scrums.com Solves Fintech Development Challenges
We supply you with dedicated teams or augmentation, rapid discovery workshops, compliance-first architecture, and the ability to deploy AI agents via our AI Gateway. Remove vendor risk, gain full transparency of delivery metrics, and scale with confidence.
Software Engineering Orchestration Platform (SEOP)
Centralize your Fintech delivery pipeline with unified visibility across teams, tools, and compliance requirements. SEOP provides real-time DORA metrics, audit trails, and governance dashboards, ensuring every sprint meets regulatory standards while maintaining velocity.
AI Agent Gateway
Deploy AI agents for automated QA, fraud detection, KYC verification, and compliance monitoring. Our gateway integrates with your existing Fintech stack (Jira, GitHub, Azure) while maintaining data sovereignty and model control, accelerating delivery without compromising security.
Dedicated Development Teams
Access full-stack Fintech specialists (payment systems, blockchain, fraud prevention, regulatory tech) organized into high-performing squads. Pre-vetted for security clearance and financial domain expertise. Deploy in 21 days with full integration into your workflows.
Product Development as a Service (PDaaS)
Launch new Fintech products (payment gateways, lending platforms, digital wallets) with end-to-end managed delivery. We handle discovery, design, development, compliance, and launch, while you maintain strategic control. Fixed timelines and transparent pricing.
Staff Augmentation
Fill skill gaps fast with specialized Fintech engineers (Solidity, payment APIs, regulatory tech, DevSecOps). Vetted for compliance and security standards. Scale resources monthly as requirements evolve, no long-term contracts or hiring overhead.
Developer Analytics & Delivery Insights
Prove engineering ROI with real-time velocity tracking, cost-per-feature analysis, and compliance metrics. Monitor deployment frequency, lead time, and change failure rate across all fintech projects. Make data-driven decisions about capacity and investment.
What Our Clients Say
Our Fintech Development Approach
Our Fintech development methodology combines agile delivery with regulatory rigor:
Discovery & Compliance Mapping
We start by mapping your regulatory requirements (PCI DSS, PSD2, GDPR, local Fintech regulations) and identifying compliance-critical features. Our architects design systems that bake security and auditability into the foundation.
Secure Architecture Design
Cloud-native, microservices-based architectures with zero-trust security models. We design for scalability, redundancy, and regulatory compliance from day one, not as an afterthought.
Agile Development with Continuous Compliance
Two-week sprints with automated security scanning, code reviews, and compliance checks built into CI/CD pipelines. Every deployment is audit-ready with complete traceability.
AI-Powered QA & Testing
Automated testing for fraud scenarios, edge cases, and regulatory requirements. Our AI agents simulate attack vectors and compliance audits continuously, catching issues before they reach production.
DevSecOps & Continuous Deployment
Infrastructure-as-code, automated deployments, and real-time monitoring. Deploy multiple times per day with confidence using our proven DevSecOps practices.
Ongoing Support & Optimization
Post-launch monitoring, performance optimization, and regulatory updates. We keep your Fintech platform current with evolving compliance requirements and security threats.
Why Leading Fintech Companies Choose Scrums.com
Platform-First Software Delivery
Our Software Engineering Orchestration Platform (SEOP) unifies tools, talent, and delivery into one intelligent layer—giving you real-time visibility and control.
AI-Enabled Talent
Every team operates within our AI-powered ecosystem via the Agent Gateway, increasing efficiency, reducing risk, and ensuring delivery quality.
Compliance & Governance
We understand industry regulations. Our delivery model includes compliance-first architecture, audit trails, and controlled AI deployment that adapts to your sector's requirements.
Transparent, Real-Time Analytics
No black boxes. Access live dashboards showing velocity, blockers, DORA metrics, and team performance across every sprint.
Fintech Success Stories
Common Fintech Development Questions
What regulatory frameworks does Scrums.com support?
We have extensive experience with PCI DSS, GDPR, PSD2, POPIA (South Africa), SOC 2, ISO 27001, and regional Fintech regulations across US, UK, EU, and Africa. Our compliance-first approach ensures your platform meets all regulatory requirements from day one.
How quickly can we launch a new Fintech product?
With Product Development as a Service (PDaaS), we can deliver MVP Fintech products in 90-120 days. For dedicated teams augmenting existing development, you'll have vetted engineers integrated into your workflows within 21 days.
Do you have experience with payment systems and fraud prevention?
Yes. Our developers have built payment gateways, fraud detection systems, KYC/AML platforms, and transaction monitoring tools for Fintech companies globally. We understand PCI DSS requirements, tokenization, 3DS authentication, and modern fraud prevention techniques.
How do you ensure security and prevent data breaches?
Security is embedded at every layer: secure coding standards, automated vulnerability scanning, penetration testing, code reviews, and DevSecOps practices. All developers are vetted and trained on Fintech security best practices. We maintain SOC 2 compliance and follow OWASP guidelines.
Can you integrate with existing banking core systems?
Absolutely. We have experience integrating with legacy banking cores, payment processors, and modern Fintech infrastructure. Our teams understand both legacy technologies (mainframes, COBOL) and modern APIs, ensuring smooth integration without disruption.
What technologies do you use for Fintech development?
Our Fintech stack includes: Node.js, Python, Java, Go for backend; React, Angular for frontend; PostgreSQL, MongoDB for databases; AWS, Azure, GCP for cloud infrastructure; Kubernetes for orchestration; and blockchain technologies (Ethereum, Hyperledger) when needed.
How do you handle financial data privacy and sovereignty?
We implement data sovereignty controls, encryption at rest and in transit, and role-based access controls (RBAC). Our AI Agent Gateway maintains data residency and ensures no sensitive financial data leaves your controlled environment.
What's the cost compared to hiring in-house Fintech developers?
You'll save 40-60% compared to US/UK hiring costs while accessing the same caliber of specialized Fintech talent. No recruitment fees, benefits overhead, or equity dilution. Transparent monthly subscriptions with the flexibility to scale as needed.
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